Cb Financial Services, Inc. · NASDAQ:CBFV
Cb Financial Services — Investor Presentation (July 2015)
13 slides from Cb Financial Services's investor presentation, Jul 28, 2015
Slide 1: Corporate Overview July 2015
th Financial Services, Inc. The Holding Company of Community Corporate Overview July 2015
Slide 2: Forward-Looking Statements
th Forward-Looking Statements inherently uncertain. Factors which but are not limited t expenses, and other y filed with the Securities and undue reliance should not be placed on such statements.
Slide 3: Franchise Summary
th Franchise Summary Financial Highlights (6/30/2015) $837 M Total Loans HFI $663 M Deposits $695 M ™ NASDAQ ticker: CBFV ®™ Attractive franchise in heart of the Marcellus Shale Region m Top 10 market share in core operating area("); focused in South Hills market of the Pitisburgh metropolitan area
Slide 4: Attractive Southwestern PA Market
Attractive Southwestern PA Market > Washington > Greene > Westmoreland > > Allegheny Summary Statistics (5 County Franchise) Population of nearly 2 million . $53,500 Projected household income growth (2015-2020) of 16.2% (vs. 8.6% in PA and 6.7% nationally) 7 operating area 1: SNL Fins tl demosrapti
Slide 5: Marcellus Shale - Regional Economic Driver
th Marcellus Shale - Regional Economic Driver billion cubic feet of natural gas aa iy (would rank 9" in natural roduction worldwide)” raion Fas Rattaas 6 fold since 2 The bulk of the natural gas is produced in Pennsylvania and West Virginia; New York has placed moratorium on shale drilling may the h
Slide 6: Historical Financial Highlights
Historical Financial Highlights empany documents {Represents ba eva 2012 wrncueronsaa rey Ral a ™ Consistently profitable |so0es Paes A221 oes — ‘aR Wreughout ihe Wancial [Balance Sheet ists) Frotata gea6.r6 $546.46 Seasava| | ese0sra] | Se51a57 _9896.7671] mw Successful integration Total Loans HF 3
Slide 7: Diversified Business Mix
th Diversified Business Mix / Retail Banking & Wealth Management > @ Nearly a Sueno et oe is are noninterest beat m Appr ly 75 {— Commercial Bankin ™ FedFirst augments legacy team of experienced commercial bankers = Excellent retail branch coverage of Southwestern PA market in the heart of the Marce
Slide 8: Balanced Fee Revenue Mix With Opportunity For Continued Improvement
b Balanced Fee Revenue Mix With Cl Opportunity For Continued Improvement total FedFirst franchi: dFirst location: y Bank location: Revenue Mix - Q1 2015 Fee Revenue Mix - Q1 2015 BOLI Income 65% Insurance Commissions 310% Deposit Fees & ‘Sevice Charges 31.6% 2015 Q1 Fee Income: ‘Source: Company docu
Slide 9: Loan and Deposit Composition
Loan and Deposit Composition at . F ae 3/31/15 Gross Loans HFI ($665 M) 3/31/15 Deposits ($709 M) a Time Depo: «$100,000 ; 13.7% Time Deposits MVDA and Savings nae >stenon0 Consumer 12.6% ‘Commercial RE 25.8% Commercial & Industrial 10.9% YN Demand 23.3% Residential RE 46.4% id on Loans: 4.46% Cost
Slide 10: Strong Historical Asset Quality
Strong Historical Asset Quality Ck Relative to PA Peers Nonperforming Assets /Assets(") 2011Y 2012¥-2013Y-2OI4Y-OISAI_ 201502 PA Peer Mecian Nonperforming Loans /Loans® 2.00% 4.61% 1.86% 50% 1.00% 1.04% 1.03% 1.02% 1.12% 50% 4 0.00% | 2011Y =2012¥ = 2013Y = 201. 201501 201502 mmm CFV PAPeer Median N
Slide 11: Key Senior Management
th Key Senior Management Ralph Sommers Pat McCune Pat O’Brien @ Chairman ™@ Vice Chairman, President & @ Director, Senior Executive Vice @ Joined Community Bank in CEO President 1979 as EVP 7 dent in 1984 ioe ‘ and President & CEO in 1988 —™ Attorney by training; joined generation, sales culture and
Slide 12: Strategic Vision for CB Financial Services
th Strategic Vision for CB Financial Services Successful integration of FedFirst i ity Bank organization complete Grow to over $1.0 billion in total assets metro Pittsburgh Creation of a Maintain 1%+ ROAA and double digit ROAE Empower our experienced, t t id: customer service in all eae of our busin
Slide 13: CB Financial Services — Recent Achievements
th CB Financial Services — Recent Achievements the NASDA m November 3, 2014: Our common stock started Global Market under the symbol “CBFV” m= April 2015: Ambassador Financial ie 4th highest performer in Western Pennsylvania’) for its 2014 Return « on Equity m= April 2015: Bauer Financial its hi t “
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